In the Latin American fintech ecosystem, few companies have achieved such rapid growth as Dock, a Brazilian technology leader in payments and banking infrastructure. The company is now expanding strongly into Colombia, led by Javier Navarro Pulecio, Country Manager for the market. In this interview, he reveals Dock’s strategy, its regional ambitions, and how technology is reshaping financial inclusion in Latin America.
Javier Navarro,“We aim to help close that gap through innovations like Pay Later and digital credit origination”
Country Manager for Colombia at Dock.
From traditional banking to the fintech frontier
“I come from the financial sector; I’ve spent my entire career in banking, working for institutions like Caja Social, AV Villas, and Banco Finandina,” says Javier. After years managing areas such as digital banking, credit, and payments, he transitioned to fintech through Dock. His mission: to bridge banking tradition with technological innovation, empowering large-scale financial access.
Dock operates as a B2B white-label platform, enabling companies to build and launch their own financial products without the burden of regulatory or technical complexity. Its broader mission is to democratize access to financial services for millions of unbanked and underbanked Latin Americans.
Brazil as the fintech blueprint
Founded in Brazil, one of the world’s most advanced fintech markets, Dock currently processes over 70 million cards and drives 7.5 billion transactions annually, including 1.3 billion through PIX. With this expertise, Dock is replicating its success across Latin America. Its footprint already spans eleven countries, including Mexico, Chile, Peru, and Ecuador.
“Brazil has taken the lead in regulation and payment technology. Our goal is to export that experience throughout the region,” Navarro explains. “Open banking, instant payments, and digital currencies are the next great opportunities, and Dock is ready to lead that transformation.”
Colombia: accelerating financial inclusion
Colombia, one of the region’s fastest-growing fintech markets, plays a pivotal role in Dock’s expansion plan. Despite high formal banking rates, nearly 65% of Colombians still lack access to formal credit. “We aim to help close that gap through innovations like Pay Later and digital credit origination,” Javier notes.
Dock also seeks to strengthen Bre-B, Colombia’s upcoming real-time payment system inspired by PIX. “Reducing cash dependency and boosting digital payments will be fundamental for deeper financial inclusion,” he adds.
Dock One: modular banking technology
Dock recently announced a strategic partnership with Visa in Colombia, securing local licensing to act as a sponsor partner for fintechs and retailers launching debit and credit cards. The company is also advancing partnerships with international brands like Mastercard.
Several projects are already live in Colombia. Among them, Bio, a platform for digital currencies and remittances; Coin, a regulated electronic payment entity; and Hala, a fintech issuing credit cards for students with no previous credit history. “These are just the first steps toward broader inclusion,” Javier remarks confidently.
Fighting fraud through intelligence
Dock prioritizes secure digital banking as it expands its reach. The company’s fraud prevention system integrates biometric authentication and FICO’s Falcon technology—an industry benchmark in transactional fraud control. These capabilities are embedded within Dock One, ensuring safe operations across issuers, acquirers, and instant payment systems.
💡 Javier said…
“Our aim is to help companies offer financial services with better cost structures, efficiency, and reach”
The road ahead
“Our aim is to help companies offer financial services with better cost structures, efficiency, and reach,” Javier concludes. “We want more businesses -fintechs, retailers, cooperatives- to be part of this financial transformation.”
In his own words, “Dock is coming strong to Colombia and all of Latin America. We want people to see us everywhere.”
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